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Appealing your Award Letter

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Given the current state of the economy, there’s a good chance your family’s financial situation has changed since you completed your FAFSA. With award letters from colleges already in your hands, how do you request additional financial aid to cover your college costs? Edmit has outlined the steps you can take to file a financial aid appeal – below are some of the highlights.

Who Can Submit a Financial Aid Appeal?

If you have received an offer of financial aid that is insufficient or with which you are dissatisfied, then you have every right to appeal the award. Appeals are most often successful when a significant change affecting the student’s financial situation, such as the death of a parent, serious illness, job or income loss, or divorce, has occurred. However, any student who has received an insufficient offer of financial aid is eligible to appeal. If you have received a more generous offer from another college, for example, you can appeal for more aid also.  

When Can I Submit My Financial Aid Appeal?

Generally speaking, you can begin to prepare your appeal as soon as your financial aid offer letter arrives. A school may not have a specific deadline by which appeals must be submitted, but this is definitely a case in which the early bird gets the worm. Schools only have so many financial aid dollars to distribute each year; as such, the earliest-received appeals have a greater chance of approval. 

In addition, students who experience a significant change in financial circumstances at any time - whether prior to the start of or during the school year - should not hesitate to appeal for additional financial aid when that happens.

What Do I Need to Appeal My Financial Aid Award?

The process by which parents and students may appeal financial aid offers differs for every school. In addition, the types of documentation required for an appeal vary based on the underlying reason(s) for the appeal. 

Your first step in the process should be to investigate whether the college has a specific timeline or process you need to follow. Many schools, especially larger colleges and universities publish information online regarding their appeals processes. Where information is lacking or absent, students or parents should not hesitate to call the financial aid office directly. For your appeal to be successful, it is extremely important to comply with the school’s specific procedures for evaluating appeals, including providing all the necessary documents and information in the formats requested. Depending on the nature of your appeal, here is what you may be asked to provide:

  • Documentation of a change in financial circumstances, perhaps related to death of a family member, serious illness, loss of a job or other income, or divorce or separation; 
  • Documentation demonstrating unmet financial need, perhaps in the form of a family budget; 
  • Documentation of academic progress or achievement, such as letters of recommendation, school transcripts, or coursework certificates; and/or
  • Documentation of a more attractive financial aid package offered by another school.

As you prepare the documentation for your appeal, it is important to clearly understand why you are submitting an appeal and how much additional aid you are requesting. Be specific - calculate your family’s unmet financial need to determine exactly how much more support you require. (You can keep this number to yourself for the time being.) Be sure to submit all the documentation that is required of you, but do not submit more information than is strictly necessary. Too much extra paperwork is not likely to be wanted or appreciated by the financial aid officer reviewing your appeal.

How Do I Submit a Financial Aid Appeal?

After you have researched your target school’s appeal process and gathered the documentation that you need, it is time to initiate the appeal process with the school directly. Some schools specify exactly how appeals should be submitted, perhaps via email or some other electronic form. Unless your school specifically instructs otherwise, we recommend calling the financial aid office to initiate the appeal process. An in-person meeting with a financial aid officer is ideal, but that may not be feasible given current conditions. 

While a financial aid appeal is somewhat like a negotiation, you should not use that language or display an aggressive attitude. Take the approach of “requesting an appeal” or “obtaining a reconsideration” of your financial aid offer. Financial aid administrators are willing to evaluate appeals but are loathe to “negotiate” in the traditional sense of the word.

Below are a few effective tactics that you can utilize in an effort to successfully obtain the financial assistance that you need:

  • Clearly state your goals and the rationale for your appeal; have the necessary supporting documentation on hand to bolster your case. Speak assertively but non-confrontationally. 
  • Get creative: request non-tuition forms of financial aid and explore other potential ways to receive additional support. Can the college provide assistance in the form of increased work-study hours, additional grants or scholarships, or subsidized room and board? Can you (the student) be permitted to retake standardized tests or improve your grades to potentially qualify for additional merit-based aid? Can the college pledge some form of additional assistance, if not for the first year, then for one or more subsequent years? Talk openly with the financial aid officer to creatively explore all the possible means of receiving additional support. 
  • Treat the financial aid officer as a partner and potential advocate, rather than as an adversary. Make a concerted effort to really listen to and understand what the administrator has to say. 

You are unlikely to receive a decision on your appeal during the first discussion - but make sure to ask the administrator about the next steps in the process. You’ll want to know exactly how and when to follow up with the financial aid officer.

How Do I Follow Up on a Financial Aid Appeal?

Of course, the most important steps to take at this stage are those specified by the financial aid officer with whom you spoke. If you were not granted or were unable to attend an in-person meeting, then follow up in a timely manner after submitting your appeal with an email or phone call. Regardless of whether you attended a meeting, it is important to adhere to the timeline and preferred communication method as specified by the school’s financial aid office. If you are not quite sure about the best way to follow up, just ask!  

What is the Likelihood of My Financial Aid Appeal Being Approved?

You may be questioning if appealing your financial aid award is even worth the trouble, or wondering how often financial aid appeals actually get approved. In general, the type of college will determine your likelihood of getting more aid. Ivy League and other very selective universities are very unlikely to consider an appeal without significant changes to a student's financial profile, whereas small private universities who are generous with merit aid have more room to move. 

College finance expert Shannon Vasconcelos told U.S. News and World Report, “Families may be surprised how often colleges say ‘yes’ and send a few more thousand dollars their way as an incentive to enroll.” A New York Times article from 2014 observed that half or more families who submit an appeal are successful in obtaining additional financial assistance.

What Happens If My Appeal is Approved?

If your financial aid appeal is approved, then you will receive a new offer that includes more or additional forms of financial assistance. The choice is yours whether to accept the revised offer or not.

What Happens if My Financial Aid Appeal is Rejected?

If your financial aid appeal is rejected, then you face a more difficult set of choices. There is no appealing the appeal decision, but you do still have a few options available to you. You can decide to fill the gap using loans or by working a part-time job (or two) while you attend school. Or perhaps give some thought to attending a less expensive college. 

If you have questions about paying for college and how to find additional funding, reach out to our College Access Counselor to set up a one-on-one discussion. 

This article is for informational purposes only. It is not intended to serve as legal, financial, investment or tax advice or indicate that a specific DCU product or service is right for you. For specific advice about your unique circumstances, you may wish to consult a financial professional.